The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,375
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$834/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,128
−HK$799/mo
Today · 4.125%
HK$30,927
baseline
▲ 0.50% · 4.625%
HK$32,557
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,854/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,650
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,634
−HK$1,000/mo
Today · 4.125%
HK$33,634
baseline
▲ 0.50% · 4.625%
HK$35,681
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,268/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,210
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,154
−HK$958/mo
Today · 4.125%
HK$37,112
baseline
▲ 0.50% · 4.625%
HK$39,068
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,224/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,924
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,073
−HK$1,167/mo
Today · 4.125%
HK$39,240
baseline
▲ 0.50% · 4.625%
HK$41,628
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,480/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,078
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,180
−HK$1,117/mo
Today · 4.125%
HK$43,297
baseline
▲ 0.50% · 4.625%
HK$45,580
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,594/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,474
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,951
−HK$1,500/mo
Today · 4.125%
HK$50,451
baseline
▲ 0.50% · 4.625%
HK$53,521
+HK$3,070/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,902/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,815
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,231
−HK$1,437/mo
Today · 4.125%
HK$55,668
baseline
▲ 0.50% · 4.625%
HK$58,602
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,336/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,744 · Scale 2, in force from 26 Feb 2026)